Skins & Armor

Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Property and CasualtyInsurance Company, aCknowledges receipt of the consumer complaint submitted by Nora [redacted] regarding the amount due on the above referenced private passenger automobilepolicy.Esurance records indicate that Ms [redacted] contacted Esurance on July 11, 2015, to delete aMini Cooper and add a 20151nfiniti Qto her exiting Automobile PolicyAt the time ofthe call, Esurance was having system issues and was unable to accommodate this request.Over the next few days, Esurance worked to correct Ms [redacted] 's policy.The policy correction was completed within six days, on July 17, 2015, and confirmed that$was the amount owed for the policy adjustment that was requested on July 11, 2015.However, Ms [redacted] did contact Esurance on July 15, 2015, to cancel the policy effectiveSeptember 1, 2015, and was erroneously advised that no amount would be due through theremainder of the policy term.Due to this incorrect infGlrmation provided, Esurance Is willing to waive the $in premium.Esurance strives to pro"ide excellent customer service to all policyholdersEsuranceapologizes that Ms [redacted] 's experience was less than satisfactory and hopes that Ms[redacted] will consider Esurance for her future insurance needs.Esurance appreciates tli1e opportunity to respond to this complaintSupporting documentationis available upon request.Sincerely[redacted]

I have been a customer of esurance for several yearsWhen I purchased a new vehicle they needed some documents signed and sent in, when I sent the documents in provided by them I thought everything was fine until I got an email saying my policy has been canceledI caked then to try to resolve the situation and talked to several people only for them to tel me they can't reinstate my policy and the reason it was canceled was because the document was unacceptableNeedless to say they provided the document in the first place so with no warning my insurance got canceled!

Dear Ms [redacted] ,Please find the attached response from Esurance in reference to the consumer complaint for [redacted] , Revdex.com file [redacted] Please feel free to contact me if you should have any questions or require additional information [redacted] Compliance AnalystEsurance Insurance Services, Inc.On behalf of Esurance Property and Casualty InsuranceCompany [redacted]

This Cowrote my policy wrong causing me to have my registration canceled and fine

Please find the attached copy of Esurance’s response to the above referenced consumer complaint If you should have any questions or require additional information, please do not hesitate to contact me Happy New Year! Eric Schrader

Esurance requires you to provide them with a credit card or bank account which they can access at will, in order to have auto insurance with themThen my experience has been that they continually look for ways to hit me up for more money and because they have my account info and can take money out of my account whether I agree to the additional expense or notTheir biggest gimmick has been a device I accepted to be used on a car driven primarily by my son, which was supposed to lower my rate, if he maintained a good driving recordMy son has done his part, but this device has not saved us any money and Esurance is continually trying to bill additional fees related to this deviceTo get rid of it, I have to pay them a restocking feeThey also tried to bill me additional fees when they found they did not have a device available for my carEven though they never sent the device to me, they tried to bill me a restocking feeIf I had not vigorously protested their action, they would have taken money out of my account for something that was entirely their own faultMy experience with them has been annoying and frustratingIn addition, they quoted me a price for home insurance, then after payment, sent me a note saying they would not insure the roof of my home because the roof had not been recently replaced

August 20, "Arial Revdex.com Attention: [redacted] WGreenfield Ave Milwaukee, WI Via FAX: (414) 302- Case Number: [redacted] Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAGA Claim Number: ATL Date of Loss: July 23, Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the consumer complaint submitted by [redacted] regarding a claim on the above referenced private passenger automobile policy Esurance is sorry to hear that items are missing from Ms [redacted] ’ vehicle, however, Esurance must abide by the contract between the Company and the policyholder, which states: EXCLUSIONS FOR PART IV: COVERAGE FOR PHYSICAL DAMAGE TO AN AUTO “We” will not provide coverage for: “Loss” to personal property that is not permanently attached to the “covered auto”, “nonowned auto”, or “trailer” While Esurance is empathetic to Ms [redacted] ’ loss, Esurance is required to treat all policyholders the sameEsurance has been unable to receive confirmation from the at-fault party’s insurance carrier that they have accepted 100% liability for this loss, which would allow Esurance to reimburse Ms [redacted] ’ deductibleEsurance has referred this claim to the subrogation department to seek reimbursement for the amount that Esurance paid out on Ms [redacted] ’ vehicle, as well as Ms [redacted] ’ deductibleOnce Esurance receives confirmation that the insurance carrier for the at-fault party has accepted liability for the loss and receives reimbursement for the damages, Esurance will send Ms [redacted] ’ her deductible To address Ms [redacted] ’ concerns regarding additional day(s) of rental car coverage, Esurance issued a check for $to Ms [redacted] on August 14, Esurance appreciates the opportunity to respond to this complaintSupporting documentation is available upon request Sincerely, [redacted] Claims Branch Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

Upon review of my insurance I was given a price They ran my MVR & that price went down I paid for the first two months I was transferred to another individual, & was asked a series of questions that should have been provided through the MVR report I answered all questions truthfully They then added an additional $per month to my policy!!!!

Dear Ms [redacted] ,Please find the attached response from Esurance in reference to the consumer complaint for [redacted] , Revdex.com file [redacted] Please feel free to contact me if you should have any questions or require additional information *** [redacted] Compliance AnalystEsurance Insurance Services, Inc.On behalf of Esurance Property and Casualty InsuranceCompany [redacted]

August 20, Revdex.com Attention: [redacted] WGreenfield Ave Milwaukee, WI Via FAX: (414) 302- Case Number: [redacted] Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAGAClaim Number: ATLDate of Loss: July 23, Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the consumer complaint submitted by [redacted] regarding a claim on the above referenced private passenger automobile policy Esurance is sorry to hear that items are missing from Ms [redacted] ’ vehicle, however, Esurance must abide by the contract between the Company and the policyholder, which states: EXCLUSIONS FOR PART IV: COVERAGE FOR PHYSICAL DAMAGE TO AN AUTO “We” will not provide coverage for: “Loss” to personal property that is not permanently attached to the “covered auto”, “nonowned auto”, or “trailer” While Esurance is empathetic to Ms [redacted] ’ loss, Esurance is required to treat all policyholders the sameEsurance has been unable to receive confirmation from the at-fault party’s insurance carrier that they have accepted 100% liability for this loss, which would allow Esurance to reimburse Ms [redacted] ’ deductibleEsurance has referred this claim to the subrogation department to seek reimbursement for the amount that Esurance paid out on Ms [redacted] ’ vehicle, as well as Ms [redacted] ’ deductibleOnce Esurance receives confirmation that the insurance carrier for the at-fault party has accepted liability for the loss and receives reimbursement for the damages, Esurance will send Ms [redacted] ’ her deductible To address Ms [redacted] ’ concerns regarding additional day(s) of rental car coverage, Esurance issued a check for $to Ms [redacted] on August 14, Esurance appreciates the opportunity to respond to this complaintSupporting documentation is available upon request Sincerely, [redacted] Claims Branch Manager Esurance Insurance Services, IncOn behalf of Esurance Property and Casualty Insurance Company

August 26, Revdex.com Attention: [redacted] WGreenfield Ave Milwaukee, WI Via FAX: (414) 302- Case Number: [redacted] Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAGAClaim Number: ATLDate of Loss: July 23, Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the consumer complaint submitted by [redacted] regarding a claim on the above referenced private passenger automobile policy As previously stated, Esurance is required treat all policyholders the sameEsurance must abide by the contractual agreement between itself and its policyholders and the Automobile contract does not cover personal property that is not permanently attached to the vehicle As previously advised, the claimant’s carrier has not accepted liability for this accident, therefore, refuses to compensate Ms [redacted] ’ for her lossAs a result, Esurance covered the damages under Ms [redacted] ’ collision coverage, in which a deductible appliesOnce the claimant carrier accepts liability, Esurance will be able to reimburse Ms [redacted] for the deductible Esurance appreciates the opportunity to respond to this complaintSupporting documentation is available upon request Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, IncOn behalf of Esurance Property and Casualty Insurance Company

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] I did get the money for the rent a car, but I am still awaiting my $deductibleThe policy report states it was not my faultI also lost items out of truck when they towed my car to coparts They didn't not care - they told me to turn it in one my home owners insurance I do appreciate then getting me payment for my car minus the deducible $which is due to meMy car was knocked into two park car because I was hit in the back endI appreciate them being kind to everyone Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me The complaint that I filed with the Revdex.com concerning Esurance has been resolvedThe case against Esurance can be closed as of Monday, August 10, 2015, thank you

The worst company for claims got into a motor vehicle accident And it was ok in the beginning after the adjuster came it became nothing but hell and fustration, and had to ask for help from the state

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I may have to open another case as far as how my collision repair is being handled as wellRegards, [redacted] ***

Esurance Insurance Services, Inc("Esurance")on behalf of Esurance Property and CasualtyInsurance Company, acknowledges receipt of the consumer complaint submitted by Scott*** regarding a claim made on the above referenced private passenger automobile policy.Esurance records
indicate that this claim was reported to Esurance on 612012015, by Ms***.It was reported that Ms*** approached an intersection with a flaShing red light, pulled forward,and was hit by Mr***.Esurance has accepted liability and attempted to make contact with Mr*** on 6/2612015,6/7/112015, al'l1d 7/10/Successful contact was made on 7/13/Mr***chose to upload his estimate & photos of the damages to his Chevrolet Kvia theEsurance Smart Phone Application.The estimate and photos were not received, thereforeEsurance attempted contact with Mr.*** on 7/17/2016, and 7/On 7/22/2015, successful contact was madeand Esurance was able to obtain the estimate and photosIt was determined that Mr***'vehicle was a total lossEsurance attempted to reach out to Mr*** on 7/26/2015, withoutsuccess, to present a total loss offer.Esurance is continuing efforts to resolve this claim in a timely mannerEsurance hopes to speakwith Mr*** again as soon as possibleA volcemail message was left on 7/2612015, and anemail was sent as wellrequesting Mr*** to contact Esurance to settle this claim.Esurance appreciates the opportunity to respond to this complaintSupporting documentationis available upon request.Sincerely,*** ***

Esurance Insurance Services, Inc("Esurance")on behalf of Esurance Property and CasualtyInsurance Company, acknowledges receipt of the consumer complaint submitted by Scott*** regarding a claim made on the above referenced private passenger automobile policy.Esurance records indicate that this
claim was reported to Esurance on 612012015, by Ms***.It was reported that Ms*** approached an intersection with a flaShing red light, pulled forward,and was hit by Mr***.Esurance has accepted liability and attempted to make contact with Mr*** on 6/2612015,6/7/112015, al'l1d 7/10/Successful contact was made on 7/13/Mr***chose to upload his estimate & photos of the damages to his Chevrolet Kvia theEsurance Smart Phone Application.The estimate and photos were not received, thereforeEsurance attempted contact with Mr.*** on 7/17/2016, and 7/On 7/22/2015, successful contact was madeand Esurance was able to obtain the estimate and photosIt was determined that Mr***'vehicle was a total lossEsurance attempted to reach out to Mr*** on 7/26/2015, withoutsuccess, to present a total loss offer.Esurance is continuing efforts to resolve this claim in a timely mannerEsurance hopes to speakwith Mr*** again as soon as possibleA volcemail message was left on 7/2612015, and anemail was sent as wellrequesting Mr*** to contact Esurance to settle this claim.Esurance appreciates the opportunity to respond to this complaintSupporting documentationis available upon request.Sincerely,*** ***

Esurance increased rates 31% on first renewal after switching to them last AugustSame vehicles, same drivers, no change in credit rating, no accidents, no violations, no claims, the only thing to was the 31% increase in ratesThe original policy cost was $which was increased to $1,with the only explanation being; "The increase to your premium is the result of an update to the way we calculate rates in Minnesota."I've already switched to another carrier with pricing very close to the original $6-month rate which seems to be fairly consistent pricing with other providersIncluded the customer service explanation letter of the significant rate increase belowPosting this just to see if others are experiencing similar price gouging with esuranceDear ***,
Thank you for contacting EsuranceWe have received your request to review your premium for renewal effective 02/01/The increase to your premium is the result of an update to the way we calculate rates in MinnesotaAlthough we hate to increase our premiums, there are times we need to review and adjust our rates based on the overall cost of doing businessUnfortunately, with this update the premium of $1,is currently the lowest we can offer with your current coverage and policy selectionsWe encourage you to review your policy to ensure all of your information is accurateYou may access your policy and make changes at any time using your online account at www.esurance.comWe hope this answers any questions you may have had, and we apologize for any inconvenience this may have causedIf you have any further questions, please call our customer service center at 1-800-ESURANCE (1-800-378-7262)If you would prefer that we contact you please reply to this email with a date, time, and a contact number and we will get back to youWe're here to help you hours a day, days a weekAs always, thank you for being an Esurance policyholderSincerely,
The Esurance Customer Service Team

August 26,
Revdex.com
Attention: *** ***
WGreenfield Ave
Milwaukee, WI Via FAX: (414) 302-
Case Number: ***
Complainant Name: *** ***
Named Insured: *** ***
Policy Number: PAGA Claim Number: ATL Date of Loss: July 23, Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the consumer complaint submitted by *** *** regarding a claim on the above referenced private passenger automobile policy
As previously stated, Esurance is required treat all policyholders the sameEsurance must abide by the contractual agreement between itself and its policyholders and the Automobile contract does not cover personal property that is not permanently attached to the vehicle.
As previously advised, the claimant’s carrier has not accepted liability for this accident, therefore, refuses to compensate Ms***’ for her lossAs a result, Esurance covered the damages under Ms***’ collision coverage, in which a deductible appliesOnce the claimant carrier accepts liability, Esurance will be able to reimburse Ms*** for the deductible
Esurance appreciates the opportunity to respond to this complaintSupporting documentation is available upon request.
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***